Whilst new technology, alternative finance and an ever growing list of market participants are transforming the sector, firms are still faced with a complex regulatory regime which many struggle to navigate.

We have experience on advising on all credit products that fall within, or just outside, the consumer credit regime. We pride ourselves on providing practical and commercial solutions to help our clients overcome the regulatory hurdles they face. Our clients include the biggest fintechs, start-ups and longstanding financial institutions. We can also assist on acquisitions and disposals of regulated hire, loan and card portfolios.

Key contacts

Peter Finch

T: +44 (0)20 7614 2636
M: +44 (0)7549 019 026
or Email

Jonathan Segal

T: +44 (0)20 7614 2591
M: +44 (0)7841 899 326
or Email

Consumer credit expertise

  • Authorisation and business structuring
  • Buy-now-pay-later
  • Drafting customer documentation
  • Drafting related policies and processes
  • Funding lines
  • Launch of new products
  • Lending platforms
  • Loans, credit cards and overdrafts
  • Loan servicing agreements
  • Motor finance
  • Regulatory compliance audits
  • Remediation exercises
  • Sale and purchase of regulated loan and card portfolios
  • Authorisation and business structuring
  • Buy-now-pay-later
  • Drafting customer documentation
  • Drafting related policies and processes
  • Funding lines
  • Launch of new products
  • Lending platforms
  • Loans, credit cards and overdrafts
  • Loan servicing agreements
  • Motor finance
  • Regulatory compliance audits
  • Remediation exercises
  • Sale and purchase of regulated loan and card portfolios

Consumer credit experience

  • Working with Fronted to design their innovative deposit lending product

  • Drafting a full suite of regulated lending documentation for salary finance provider, Neyber (now Salary Finance)

  • Helping a large scale fintech launch a credit card and BNPL product

  • Advising a private bank on an extensive review of all credit documentation, covering secured and unsecured lending including regulated mortgages and consumer credit products

  • Working with various lending platforms on the structuring of their business and drafting of all required customer documentation

  • Acting for two major high street banks on a full scale review and update of their consumer finance documentation to comply with current legal and regulatory requirements

  • Advising various financial institutions on the sale and purchase of regulated loan and card portfolios

  • Advising a new to market student finance company implementing a novel income share arrangement within a regulated product.

  • Advising healthcare finance fintech, Tabeo, on its suite of regulated, unregulated and BNPL products

Consumer credit FAQs

We can work with you to correct the mistake, understand what you need to do to remediate impacted customers and make sure your templates and processes are fixed going forwards. Where you need to make a notification to the FCA, we can help ensure that this is done way that minimises risk for you and your business.

Absolutely, we can draft all required customer facing documentation such as the loan agreement, statements and notices.

We can, if there’s something especially novel about it; it’s unusually complex; or there’s a reason to think it might be rejected. If there isn’t, you probably don’t need a law firm, but you might need a compliance consultant.

If the compliance consultants need legal advice about something, we certainly help with that.

We can also help if the regulators ask you to get legal advice about an issue, before sharing this advice with them. For example, the regulators sometimes ask applicants to get legal advice, which explains why they need to be authorised and regulated, and which particular regulated activities they need to be authorised for. We can certainly help with that.

We provide legal advice, whenever you need it. If you need day-to-day compliance services instead, we can introduce you to compliance consultants. If you need a combination, we will work closely with your compliance advisors, so that nothing falls between us, nothing gets done twice, everyone plays to their strengths, and you get the best possible value for your money.

Yes, we act for lending platforms on all kinds of funding structures, from forward-flow funding lines to private placements. We can advise on all levels of the capital stack, from senior funding, to mezzanine funding and equity instruments.

"The team at Fox Williams is very practically-driven, providing solutions for firms looking to establish a new product or service and supporting them through difficult interactions with the FCA."

Chambers UK 2025

"The team is always quick to respond, professional and friendly. They understand what the client is trying to achieve and have often seen it before."

Chambers UK 2025

"The team at Fox Williams provides sound and practical advice. They are highly responsive and very dependable. Their skill set, strategies and communication style are a great fit for our fast-growing organisation."

Chambers UK 2024

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